Certificate Accounts

In an uncertain world, this investment is a sure thing.

Open an Account: Certificate Accounts View Rates: Certificate Accounts

Put a savings goal in mind and reach it.

Higher rates give your savings a friendly push in a positive direction.

Certificates from Ventura County Credit Union offer guaranteed returns, pay higher rates than most savings accounts, and offer options to fit any financial time frame.

  • Fixed-Rate Certificates: Choose a savings period ranging from six months to five years. Minimum deposit of $1,000. Receive dividends as periodic payments or let them compound monthly until the certificate reaches maturity.
  • Jump-Up Certificates: Available for 18- or 24-month terms, with a minimum deposit of $5,000. If certificate rates rise after you open your certificate, you can request a rate hike one time before the maturity date. With the 24-month option, you can also make one additional deposit.
  • Get Fit Certificates: Have a savings goal but not a lot to invest up front? When your balance reaches a set amount (from $500 to $2,500), it's transferred to a six-month certificate to maximize dividends. Continue saving - and adding additional certificates - until you reach your goal of either $5,000 or $25,000. 
  • IRA Certificates: Our Individual Retirement Account Certificates are designed to help you plan for retirement. Term lengths vary from one to five years, and there are options to accommodate a variety of starting deposit amounts. Our Get Fit program is available for IRA certificates, too.

VCCU is a full-service credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark, California.

I became a member right as I turned 18 years old. It was a family tradition to open up an account at VCCU and one tradition I am happy to pass down.
Jasmine R., Oxnard

Subject to change without notice. Penalties apply for early withdrawal.